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by BigFoot48
Mon May 25, 2015 6:53 pm
Forum: Personal Consumer Issues
Topic: Any solo retired RVer's out there?
Replies: 27
Views: 2265

Re: Any solo retired RVer's out there?

For the super lightweight trailer option you can pair just about any 6 cylinder SUV with a lightweight fiberglass Casita or Scamp trailer in the 17' range. These are very popular trailers for couples and would have plenty of room for 1 but you would be cozy and would have to avoid clutter. For exam...
by BigFoot48
Mon May 25, 2015 2:08 pm
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6278

Re: Sun City Arizona = Retirement help.

Median age in Sun City West is 73, 75 in Sun City (per Wikipedia) and with a minimum age of 55 (unless a spouse of an older person), that sounds about right. Sun City Grand down the street it's about 67 but they lowered their minimum age to 45 back in 2007 to increase sales. When we bicycle around t...
by BigFoot48
Mon May 25, 2015 10:29 am
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6278

Re: Sun City Arizona = Retirement help.

miles monroe wrote:i have a feeling the op has made a decision about sun city one way or the other by now. :)

Good point. I didn't even notice this was a five year old thread. Maybe the OP will pop in and tell us how it all worked out.
by BigFoot48
Sun May 24, 2015 5:23 pm
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6278

Re: Sun City Arizona = Retirement help.

I believe the local governments and water districts in Arizona are all planning far into the future and the chance of a water shortfall making human habitation impossible is close to zero. You can see the Tucson Water Dept's 2000-2050 planning document here: http://www.tucsonaz.gov/water/waterplan H...
by BigFoot48
Sun May 24, 2015 12:36 pm
Forum: Personal Consumer Issues
Topic: Sun City Arizona = Retirement help.
Replies: 50
Views: 6278

Re: Sun City Arizona = Retirement help.

We visit my mother-in-law every two months in Sun City West and there are many restaurants in the area as there are thriving new non-retirement developments all over the area that sprung up in recent years. But it's definitely a quiet retirement culture within "the walls", but I wouldn't s...
by BigFoot48
Fri May 15, 2015 1:28 pm
Forum: Personal Consumer Issues
Topic: Aren't we overdoing electronic auto safety features?
Replies: 148
Views: 6641

Re: Aren't we overdoing electronic auto safety features?

I'm just glad we survived 10 years driving a 1970 VW Bus which had only sheet metal between the passengers and anything coming from the front. Now, old and wiser, I want and will pay for any and all safety features, with adaptive cruise control being high on the list for the next vehicle.
by BigFoot48
Fri May 01, 2015 4:18 pm
Forum: Forum Issues and Administration
Topic: Polls Disabled
Replies: 60
Views: 3570

Re: Polls Disabled

The Wizard wrote:Fortunately, Bigfoot's net worth survey used an external spreadsheet to tabulate individual financial profiles.
So it wasn't a poll in the simplistic sense...

Actually that bobblehead's survey, I just do supporting grunt work.

+1 on having a poll on this decision. Got me to laugh. :beer
by BigFoot48
Fri May 01, 2015 3:32 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 187
Views: 54603

Re: i-orp Comparison

That should do it...the models should be similar, but I'm just not getting a similar result. It looks like it's doing some kind of Roth conversion spread over a lot more years than I've keyed-in. I've added a tab that has the output from i-orp, but I just can't figure out how to compare the two mod...
by BigFoot48
Wed Apr 29, 2015 11:47 am
Forum: Investing - Theory, News & General
Topic: Retirees - What would you have done differently?
Replies: 48
Views: 6557

Re: Retirees - What would you have done differently?

I would have started tracking expenses more closely so I could better judge how much I might need in retirement. (I retired, a bit earlier than expected, at 50.) While it wasn't a significant problem because of our thrifty lifestyle, it would have been good to know. I only started detailed tracking ...
by BigFoot48
Mon Apr 27, 2015 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 187
Views: 54603

Re: Dipping a Toe In - a cookbook to loading an i-orp model

I will admit that I've tried before, never quite got a level of comfort with the model, and gave-up. I thought I would try again, and while doing so, had an idea that might widen the audience for the model: a set of step-by-step instructions for loading a model from i-orp. Interesting suggestion. T...
by BigFoot48
Thu Apr 23, 2015 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversion Benefit
Replies: 3
Views: 320

Re: Roth Conversion Benefit

QUESTION: Does it make any sense to open a Roth and take more than the required RMD from the IRA? I would pay the required tax due from a savings account. My objective would be to shelter my modest income from additional taxes. Are the converted funds available in fewer than 5 years should I need t...
by BigFoot48
Tue Apr 21, 2015 5:01 pm
Forum: Personal Finance (Not Investing)
Topic: Preparing for the Minimum Required Distribution
Replies: 41
Views: 3193

Re: Preparing for the Minimum Required Distribution

JodieNJ wrote:What is a tIRA please?


Traditional IRA. Then there is the Roth IRA.
by BigFoot48
Thu Apr 16, 2015 1:19 am
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1102
Views: 508755

Re: The Three Fund Portfolio

Answer to deleted question deleted! :sharebeer
by BigFoot48
Wed Apr 15, 2015 7:12 pm
Forum: Investing - Theory, News & General
Topic: The Three Fund Portfolio
Replies: 1102
Views: 508755

Re: The Three Fund Portfolio

Another thread raised the issue of increasing the stock allocation during retirement (or anytime) to improve returns. This got me wondering what returns have been historically for the three-fund portfolio for various allocations. Since we have Simba's Backtesting spreadsheet, I used it to determine ...
by BigFoot48
Wed Apr 15, 2015 3:54 pm
Forum: Personal Finance (Not Investing)
Topic: 2015 net worth survey
Replies: 20
Views: 2995

Re: 2015 net worth survey

Only 98 people took the survey, 27 less than the age of 35 same as our age range, 18 with less than 130k debt (our mortgage), 9 with a portfolio greater than 250k excluding home equity. These numbers seem very low to me. The number of people that have taken the survey is currently at 938. The 2014 ...
by BigFoot48
Tue Apr 14, 2015 4:15 pm
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5909

Re: How does a retired person mitigate a Bond Bubble?

This person is only 65 years and wil likely live at least another 20 for all we know. A conservatice 3 % difference on return on investment between the current AA and an optimized one with no impact on safety or security over 20 years.... Its funny that we even discuss and diss retirement plans tha...
by BigFoot48
Mon Apr 13, 2015 4:26 pm
Forum: Personal Consumer Issues
Topic: How should I name my home Wi-Fi network?
Replies: 55
Views: 4700

Re: How should I name my home Wi-Fi network?

Malware Server
Out of Order
Vacation Pictures
by BigFoot48
Sun Apr 12, 2015 9:18 pm
Forum: Investing - Theory, News & General
Topic: How does a retired person mitigate a Bond Bubble?
Replies: 46
Views: 5909

Re: How does a retired person mitigate a Bond Bubble?

My mom is age 65 and retired. Her pension + SS pays her monthly expenses. Her entire IRA ($300k) is in Vanguard's Target Retirement Income fund (30% stocks/70% Bonds). Would the bond bubble bursting kill her IRA? If not, why not since it's 70% bonds? If so, how to mitigate it? Your mother is in a g...
by BigFoot48
Sun Apr 12, 2015 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Living off investments / Early retirement
Replies: 17
Views: 3956

Re: Living off investments / Early retirement

Keep in mind that your funds will be generating dividends, capital gains, etc. that, if not reinvested, provide part of your annual income needs. Mine have varied from 2.2%-4.8% of average start/end year portfolio balances over the past 13 years. Combined with SS and other income sources, and a cash...
by BigFoot48
Thu Apr 09, 2015 1:26 pm
Forum: Personal Consumer Issues
Topic: Should I buy extended warranty for our new Toyota Sienna
Replies: 50
Views: 3464

Re: Should I buy extended warranty for our new Toyota Sienna

No, you shouldn't buy it. (Bought three myself over the years and never used one. Lesson learned the expensive way.)
by BigFoot48
Tue Apr 07, 2015 12:40 pm
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2506

Re: How should I go about getting a Will made?

These are the three things WillMaker prepared (with our help) for me and my wife back in 2010. At the same time I also had it prepare all but the Will for my in-laws, as my FIL was into dementia and if something had happened to the MIL I needed their daughter to have the ability to step-in. Boy, was...
by BigFoot48
Tue Apr 07, 2015 11:59 am
Forum: Personal Finance (Not Investing)
Topic: How should I go about getting a Will made?
Replies: 22
Views: 2506

Re: How should I go about getting a Will made?

I think Nolo's WillMaker will work just fine for most people with simple estates. My FIL had a lawyer-drafted will that was never actually used as all his assets either were jointly held with his wife or had a beneficiary designated (wife got IRA). Same with my mother who had a WillMaker will. I hav...
by BigFoot48
Sun Apr 05, 2015 9:46 am
Forum: Investing - Help with Personal Investments
Topic: Retiring Before Age 66
Replies: 21
Views: 4106

Re: Retiring Before Age 66

This Excel model was created specifically to examine the impact of Roth conversions on one's portfolio, but morphed into testing Social Security starting ages, impacts of both on RMDs, and many other things: Retiree Portfolio Model The creator of ORP liked it so much he put a link to it on his websi...
by BigFoot48
Wed Apr 01, 2015 5:29 pm
Forum: Investing - Theory, News & General
Topic: If you need a laugh today...
Replies: 7
Views: 1584

Re: If you need a laugh today...

I wish it was just an April 1 yarn.
by BigFoot48
Mon Mar 30, 2015 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 18
Views: 2216

Re: Schwab / Vanguard Fund & Allocation Advice

Right on the mark! What a significant improvement that portfolio will be over your current one. Easy to understand, low fees, and a breeze to maintain or change your chosen allocation. Well done. REITS are in Total Stock Market and while I current own some, I look forward to the day I simplify even ...
by BigFoot48
Sun Mar 29, 2015 7:33 pm
Forum: Investing - Theory, News & General
Topic: Best Way to Visualize Compounding
Replies: 40
Views: 3570

Re: Best Way to Visualize Compounding

“Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”

― Albert Einstein
by BigFoot48
Sun Mar 29, 2015 10:39 am
Forum: Personal Finance (Not Investing)
Topic: What are some common misconceptions found in this forum?
Replies: 209
Views: 18820

Re: What are some common misconceptions found in this forum?

A few come to mind...

Roth conversions are always a good idea.
If married, one person should always wait until 70 to start SS benefits.
Vanguard has the best funds.
Bogleheads is just another investing forum.
by BigFoot48
Fri Mar 27, 2015 4:41 pm
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 18
Views: 2216

Re: Schwab / Vanguard Fund & Allocation Advice

Really appreciate the feedback here. The Vanguard portfolio was designed after reading several asset allocation books and then researching the Aronson Famil Taxable Portfolio (http://m.seekingalpha.com/article/293499) but agree that it looks largely complex now. You might find it interesting to loo...
by BigFoot48
Fri Mar 27, 2015 10:34 am
Forum: Investing - Help with Personal Investments
Topic: Schwab / Vanguard Fund & Allocation Advice
Replies: 18
Views: 2216

Re: Schwab / Vanguard Fund & Allocation Advice

I would set a goal of greatly simplifying the portfolio. Having 12 funds in an account that makes up 10% of the portfolio is, I think there is a technical term, ah yes, nuts! I agree with livesoft that the Vanguard taxable account would be where to hold the two Vanguard stock funds. I would do the s...
by BigFoot48
Wed Mar 25, 2015 8:29 pm
Forum: Investing - Help with Personal Investments
Topic: lump sum and dollar cost averaging
Replies: 95
Views: 7172

Re: lump sum and dollar cost averaging

http://www.bobsfinancialwebsite.com/download.html#LSminusDCA And this chart provides the evidence. Click image for full size. This link is broken. Can somebody fix it? All that remains of Bob's website is at the Wayback Machine: http://web.archive.org/web/20110208064044/http://bobsfinancialwebsite....
by BigFoot48
Wed Mar 25, 2015 10:07 am
Forum: Personal Consumer Issues
Topic: Building a new house. Any recommendations?
Replies: 53
Views: 5622

Re: Building a new house. Any recommendations?

After my wife broke her ankle in a bike accident, I learned a lesson thanks to our 1978 sunken living room and bedroom house: make sure your house is wheelchair friendly.
by BigFoot48
Mon Mar 23, 2015 12:33 am
Forum: Personal Finance (Not Investing)
Topic: Tax Software
Replies: 23
Views: 1276

Re: Tax Software

There's a great Excel downloadable spreadsheet that does the 1040 and a bunch of supplemental forms: https://sites.google.com/site/excel1040/
by BigFoot48
Sun Mar 22, 2015 5:17 pm
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 6381

Re: Anyone concerned about their bond holdings?

but bonds will go down with interest hikes - thats the concern i was posting about Yes, but as I will have little need to sell my bonds it doesn't matter, and after about 4-5 years the higher interest rates will have covered any decrease and be a net positive going forward. Schwab opinion: http://w...
by BigFoot48
Sat Mar 21, 2015 4:07 pm
Forum: Investing - Theory, News & General
Topic: Anyone concerned about their bond holdings?
Replies: 58
Views: 6381

Re: Anyone concerned about their bond holdings?

Looking forward to interest hikes as I'd like some more income from my bonds. Bring it on!
by BigFoot48
Fri Mar 20, 2015 8:59 pm
Forum: Investing - Theory, News & General
Topic: How do you invest your taxable account?
Replies: 69
Views: 8119

Re: How do you invest your taxable account?

Currently my taxable holds (plus MM): Schwab Total Stock Market Index (SWTSX) Vanguard Short-Term Bond ETF (BSV) And in the future post-inheritance: Vanguard Interm-Term Tx-Ex Inv (VWITX) If anyone is having trouble deciphering the stand-alone security symbols posted, this Wiki page describes tools ...
by BigFoot48
Mon Mar 16, 2015 11:59 am
Forum: Investing - Theory, News & General
Topic: Retired - When to Sell to Generate Cash
Replies: 30
Views: 2099

Re: Retired - When to Sell to Generate Cash

I've been dealing with this issue for some 15 years now. You don't need three years of cash, you need three years of net cash after deducting expected dividends/cap gains (those that aren't reinvested) and pensions/social security income. I started out at three years too, but have found one net year...
by BigFoot48
Sat Mar 14, 2015 8:39 am
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2350

Re: Where to purchase Windows? What version?

I don't know anyone using Win 8, who also used Win 7, who does not prefer Windows 7. Me me! I have a touchscreen on my Acer laptop running 8.1 and never use it, and prefers 8.1's features to 7, and am looking forward to updating both to 10. I do run Classic Start Menu on both though, negating some ...
by BigFoot48
Fri Mar 13, 2015 9:24 pm
Forum: Personal Consumer Issues
Topic: Where to purchase Windows? What version?
Replies: 32
Views: 2350

Re: Where to purchase Windows? What version?

Good recent article article on all of the above recover/restore/etc issues: http://windowssecrets.com/newsletter/ne ... ion-media/ I use Magical Jelly Bean to get my Windows codes. https://www.magicaljellybean.com/keyfinder/ (use custom install to avoid adware)
by BigFoot48
Wed Mar 11, 2015 9:22 am
Forum: Investing - Theory, News & General
Topic: If you could send an investment message 10 years in the past
Replies: 62
Views: 4656

Re: If you could send an investment message 10 years in the

"Aren't you glad you were a Boglehead these last 10 years!"
by BigFoot48
Mon Mar 09, 2015 10:55 am
Forum: Personal Finance (Not Investing)
Topic: Understanding Roth conversions and question
Replies: 16
Views: 558

Re: Understanding Roth conversions and question

Use this model to estimate how much RMDs will be reduced by doing Roth conversions over a number of years: Retiree Portfolio Model
by BigFoot48
Mon Mar 09, 2015 9:47 am
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 6012

Re: not sure about my adviser

Bigfoot48 that madslinger report is a help. So if I use the coffeehouse example10.43, which is similar to what I'm doing, the total gain since 2010 should be 5 x 10.43CAGR= 52.15%. More. According to madslinger $10,000 invested in the default Coffeehouse portfolio at the start of 2010 would have gr...
by BigFoot48
Sun Mar 08, 2015 7:36 pm
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 6012

Re: not sure about my adviser

I suggest you use this historic returns calculator (Spreadsheet for Backtesting) that allows a person to test alternative periods and portfolio, and provides examples of some commonly used portfolios: http://www.bogleheads.org/forum/viewtopic.php?p=1912664#p1912664 There's also this summary of commo...
by BigFoot48
Sun Mar 08, 2015 12:47 pm
Forum: Forum Issues and Administration
Topic: Automated Rosetta Stone?
Replies: 19
Views: 7146

Re: Automated Rosetta Stone?

I recently noticed that this ticker symbol lookup script was no longer working in Firefox so I investigated it this morning and found out several things: 1. The website hosting the java script originally created in 2008 by BH mas is no longer in existence. (A mirror of the site is available but does...
by BigFoot48
Sun Mar 08, 2015 12:06 pm
Forum: Investing - Help with Personal Investments
Topic: Simplify this Portfolio
Replies: 14
Views: 1163

Re: Simplify this Portfolio

* Fire the adviser. * Liquidate the mish-mash of tiny funds. * Buy three total market index funds or the appropriate Vanguard Target Retirement Fund. satch, as usual Taylor has summed up simply and perfectly what you should do. I recommend starting that 3-step process tomorrow when the market opens.
by BigFoot48
Sat Mar 07, 2015 4:31 pm
Forum: Investing - Help with Personal Investments
Topic: not sure about my adviser
Replies: 68
Views: 6012

Re: not sure about my adviser

1) Call Schwab and ask how I can get rid of the advisor. Call the advisor and tell him I'm taking over the accounts and not to make any more transactions. Then figure out whether to move the portfolio to Vanguard and begin selling all the funds until I'm down to 3-5 funds. 2) Call Vanguard and ask ...
by BigFoot48
Fri Mar 06, 2015 11:26 am
Forum: Investing - Help with Personal Investments
Topic: Don't close your account until after next year's 1099s!
Replies: 2
Views: 644

Re: Don't close your account until after next year's 1099s!

Good advice! I just closed a small $4k IRA at Schwab to simplify our financial life a bit. I made sure I saved the last statement, fund sale info, and transfer of the cash to our brokerage account record, and had been looking at the $0 balance and thinking I had to contact Schwab and close it for go...
by BigFoot48
Fri Feb 27, 2015 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 84
Views: 7621

Re: International is disappointing

I'm re-balancing next week and will be selling some REIT ETFs (has been over the 25% trigger point for awhile) and buying some International ETFs, and moving some money market balances that had gotten too high to bond funds. So it goes in the strategy of "stay the course".
by BigFoot48
Fri Feb 27, 2015 2:35 pm
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 42
Views: 3426

Re: Are remote starters bad for cars?

I love the remote start feature in my C-Max Energi in the summer. Runs on electricity and nicely cools the car when I'm leaving a store or getting ready to leave home and the garage is 110F. Can also start it via the internet if I need a full 15 minutes of cooling and too far for the remote to work....

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